Quebex
Terms of Use

Last
updated: March 7, 2017

These
terms of use are a legal agreement (the agreement) between you
and Quebex Fintech Inc., a company incorporated under the laws of the
Province of Quebec, Canada (Quebex, us, we, or
our). Please read this agreement carefully before you use any
of the services provided on quebex.com
(the Site, and such services being the Services).

Your
access to and use of the Services is based on your acceptance of and
compliance with this agreement and it apply to all visitors, users
and others who access or use the Services. By accessing or using the
Service you agree to be bound by this agreement. If you do not agree
to this agreement, please do not use the Services.

Capitalized
terms in this agreement are defined in the Glossary at the end.

Account / Dashboard

So
long as you are not in breach of this agreement, and you wish to use
the Services, you shall be granted a unique and private account
accessible through the Service, including but not limited to an
account dashboard (the Account). We may provide you with
access codes for the Account which shall enable you to create
administrative-level users (each an Admin User) and regular
users (each a Regular User), (in either case a User).
You may not disclose such codes or permit any third party to use them
on penalty of forfeiting the whole of the Account. You assume full
responsibility for the use of your Account and the access codes
thereto and shall indemnify us for any and all claims, losses or
other liabilities arising therefrom. You are responsible for all
Users use of the Account and the Services. You shall submit only
accurate information through the Account and you are responsible to
correct any inaccuracies concerning information you submit to the
Account.

Prohibited Activities

It
is forbidden for a you to use the Services to, directly or
indirectly, knowingly or unknowingly assist in any illegal activity
in Canada, the United States or the jurisdiction where you are
located or any Prohibited Activity. We shall not permit you to use
our Services for any activity or Transaction that is in contravention
of our AML Program, as determined by us in our sole and absolute
discretion.

Prohibited Users

The following Persons are prohibited from
using the Services: (i) Persons who are in the United States, are
citizens of the United States or who are domiciled in the United
States; (ii) Persons who are Listed Entities, as per that Canadian
Anti-Terrorism Act; (iii) Persons who appear on the U.S.
Department of the Treasury, Office of Foreign Assets Control
(OFAC), Specially Designated Nationals List (SDN); (iv) Persons
who are less than 18 years of age; and (v) Persons, or their
Affiliates whose agreements with we have previously terminated by
us.

We reserve the right to refuse or cancel
any Account, advertisement that you post on the Site or any
Transaction at any for any reason or for no reason or service
availability, errors in the description or price of the product or
service, error in your order or other reasons.

Other Restrictions

You will not, directly or indirectly:
reverse engineer, decompile, disassemble or otherwise attempt to
discover the source code, object code or underlying structure,
ideas, know-how or algorithms relevant to the Services or any
software, documentation or data related to the Services.

You state that you will use the Services
only in compliance with our standard published policies then in
effect (the Policy) and all Applicable Laws. you shall indemnify
and hold harmless we against any damages, losses, liabilities,
settlements and expenses (including without limitation costs and
attorneys’ fees) in connection with any claim or action that
arises from an alleged violation of the foregoing or otherwise
from your use of Services. We reserve the right to prohibit any
use of the Services that we believe may be in violation of the
foregoing or any provision of this agreement.

You are responsible for obtaining and
maintaining any equipment and ancillary services needed to connect
to, access or otherwise use the Services, including, without
limitation, modems, hardware, servers, software, operating
systems, networking, web servers and the like (collectively,
Equipment). You are also responsible for maintaining the
security of the Equipment, you Account and User passwords and
files, and for all uses of you account or the Equipment with or
without your knowledge or consent.

Fund / Load

You may, at your discretion, load Digital
Assets into the Account by following the procedures setout out on
the Site, including clicking on the ‘Fund’ button on the
Account dashboard. When you transfer Digital Assets to the
Account, the amount thereof shall be displayed in the Account.
Note that certain Digital Asset protocols, including Bitcoin,
charge a nominal fee for transfers of Digital Assets from one
account-holder to another. Consequently, the amount of Digital
Assets that you send to the Account may not be the amount actually
received by us.

All Account Balances are your property in
our possession as your agent subject to the terms of this
agreement.

You cannot use the Account to hold any
real currency or other property that is not a Digital Asset of a
kind that we have indicated is acceptable for use with the
Services.

Posting Ads

The Site permits you to post
advertisements to sell or purchase Digital Assets. By posting
such an advertisement you are representing to us and to all Other
Users that the content thereof is true and that you shall honour
the terms of the Transaction contemplated in the advertisement.
Each Other User shall be a third party beneficiary under this
provision and entitled to enforce the terms of an offer to sell or
purchase Digital Assets posted on the Site.

If you post an advertisement on the Site
to sell Digital Assets, then you must (i) be the rightful owner of
those Digital Assets; and (ii) such Digital Assets must be in your
Account prior to posting the advertisement.

Purchase or Sale Transactions

The
following are conditions that must be satisfied by you for your use
of Services in conjunction with any Transaction:

Each Transaction is a two-party Transaction involving only you and
an Other User;

Quebex is not party to the Purchase Transaction, unless Quebex is
clearly identified as the Other User;

You are liable for all the terms of the Transaction as presented
to you and accepted by you through your Account;

If you are the purchaser:

you shall pay the purchase price contemplated in a Purchase
Transaction to the Other User that is the seller of the Digital
Assets in the method indicated in the Transaction through the
Account within 90 minutes of your acceptance; and

you allow the seller that is the Other User to cancel the
proposed Transaction if you do not make payment within 90 minutes
of acceptance by both parties of the Transaction terms through
their respective Accounts

If you are the seller:

you shall release the Digital Assets to the purchaser within 90
minutes of your receipt of payment as contemplated in the
Transaction accepted through your Account;

if you instruct Quebex to release the Digital Assets to the
purchaser (whether or not you have been paid) you acknowledge
that such release is IRREVERSIBLE; Quebex shall not be liable for
any accidental release by you of Digital Assets or any other form
of release that is authorized through your Account; and

you shall collect any and all sales taxes (i.e. GST / QST) that
apply to your Transaction.

You are acting for yourself and your Digital Assets or funds do
not belong to a third party;

You shall not make any claim against Quebex for any matter related
to a Transaction;

You have read and understand the terms of this agreement;

The Other User is a third party beneficiary under this agreement
in respect of the Transaction;

Nothing in the Transaction is contrary to this agreement;

You agree to assume the risk associated with the possible change
in value of the Digital Assets that are part of the Transaction
between the various times such as the posting of the
advertisement, acceptance thereof by the Other Party, settlement
of the related payment and receipt by the seller of the real
currency;

Quebex has the right but not the obligation to suspend, terminate
or reverse any Transaction in so far as it has control over the
Digital Assets in question and you release Quebex from any
liability with respect to any such determination and by Quebex;
and

You shall immediately.

Affiliate Program

The
Quebex Affiliate program consists of Quebex paying you amounts
indicated on the Site for referrals of additional Other Users.
Quebex reserves the right to amend such amounts or terminate the
Queebx Affiliate program at any time and without prior notice to you
or your prior consent.

Fees

You
agree to pay the Fees for the Services indicated on the site (Fees).
Fees shall be payable in Digital Assets of Quebex’ choosing or such
other real currency as Quebex may select at its discretion. Fees are
inclusive of all applicable taxes.

Privacy

User
Data data is collected, used, stored and disclosed by Quebex pursuant
to its privacy policy posted on the Site. You allow Quebex to use
User Data for such purposes as it deems reasonably necessary to
supply the Services and also to offer you additional products and
services of Quebex or its suppliers.

You
allow Quebex to display your Account name and other information
related to proposed Transactions in any advertisement that you post
on the Site and in any Transaction in which you are involved.

By
using the chat or video communication Services on the Site, you allow
Quebex to share the contents of those chats and video sessions and
related files with Quebex itself and the Other User with whom you are
communicating. Quebex is also permitted, but not obligated, to
monitor and record such chats and videos for compliance with the
terms of this agreement.

You
allow Quebex to send you text messages and emails to, for example,
confirm Transactions and other matters related to your Account.

You
acknowledge that Digital Asset Transactions are logged in public
ledgers accessible to anyone, consequently, no Transaction is assured
anonymity.

You
allow Quebex to share your User Data with regulators and law
enforcement as required by the AML Program, Applicable Law or as
Quebex deems necessary, acting reasonably.

You
allow Quebex to share your contact information with an Other User
that has a dispute related to an actual or attempted Transaction with
you.

Risks Associated with Digital Assets

You
acknowledge the following risks associated with Digital Assets: The
risk of loss in trading Digital Assets may be substantial and losses
may occur over a short period of time. The price and liquidity of
Digital Assets has been subject to large fluctuations in the past and
may be subject to large fluctuations in the future. Legislative and
regulatory changes or actions at the provincial, federal or
international level may adversely affect the use, transfer, exchange
and value of Digital Assets. Digital Assets are not legal tender,
are not backed by the government, and Digital Asset accounts and
value balances are not subject to Federal Deposit Insurance
Corporation; Transactions in Digital Assets are irreversible, and,
accordingly, losses due to fraudulent or accidental Transactions may
not be recoverable some Digital Asset transactions shall be deemed to
be made when recorded on a public ledger, which is not necessarily
the date or time that you initiate the Transaction.

User Content

Our
Service allows you to post, link, store, share and otherwise make
available certain information, text, graphics, videos, or other
material (Content). You are responsible for the Content that
you post to the Service, including its legality, reliability, and
appropriateness.

By
posting Content to the Service, you grant us the right and license to
use, modify, publicly perform, publicly display, reproduce, and
distribute such Content on and through the Service. You retain any
and all of your rights to any Content you submit, post or display on
or through the Service and you are responsible for protecting those
rights. You agree that this license includes the right for us to make
your Content available to other users of the Service, who may also
use your Content subject to these Terms.

You
represent and warrant that: (i) the Content is yours (you own it) or
you have the right to use it and grant us the rights and license as
provided in these Terms, and (ii) the posting of your Content on or
through the Service does not violate the privacy rights, publicity
rights, copyrights, contract rights or any other rights of any
person.

We
reserve all rights to block or remove communications or materials
that we determine to be: (a) abusive, defamatory, or obscene; (b)
fraudulent, deceptive, or misleading; (c) in violation of a
copyright, trademark or, other intellectual property right of another
or; (d) offensive or otherwise unacceptable to us in our sole
discretion.

You
acknowledge that, by providing you with the ability to view and
distribute user-generated content on the Service, we are merely
acting as a passive conduit for such distribution and is not
undertaking any obligation or liability relating to any contents or
activities on the Service.

Intellectual Property

The
Services and all contents, including but not limited to text, images,
graphics or code are the property of Quebex and are protected by
copyright, trademarks, database and other intellectual property
rights. You may display and copy, download or print portions of the
material from the different areas of the Service only for your own
non-commercial use, or to place an order with Quebex. Any other use
is strictly prohibited and may violate copyright, trademark and other
laws. You further agree not to use, change or delete any proprietary
notices from materials downloaded from the Services.

Links To Other Web Sites

The
Service may contain links to third-party web sites or services that
are not owned or controlled by Quebex.

Quebex
has no control over, and assumes no responsibility for, the content,
privacy policies, or practices of any third party web sites or
services. You further acknowledge and agree that Quebex shall not be
responsible or liable, directly or indirectly, for any damage or loss
caused or alleged to be caused by or in connection with use of or
reliance on any such content, goods or services available on or
through any such websites or services – including but not limited
to that of Other Users.

We
strongly advise you to read the terms and conditions and privacy
policies of any third-party web sites or services that you visit.

Quebex
does not endorse the products or services of any Other User or other
third party and shall have not liability to you in respect of any of
them.

Termination

We
may terminate or suspend access to our Services immediately, without
prior notice or liability, for any reason whatsoever, including,
without limitation, if you breach the Terms.

The
provisions of this agreement concerning indemnification and
limitation of liability and all liabilities created under this
agreement prior to termination hereof shall survive any termination
hereof.

Upon
termination, your right to use the Services will immediately cease
and your Account will be disabled. If you wish to terminate your
account, you may simply discontinue using the Services.

Quebex
reserves the right to amend the Services at any time without prior
notice or you and without your prior consent.

No
amendment hereof and no termination hereof shall diminish your rights
in Digital Assets in your Account provided that Quebex reserves the
right to deduct from such Digital Assets any amounts that you owe
Quebex pursuant to this Agreement or any Fees or other liabilities of
yours or your Affiliates.

Quebex
reserves the right to hold your Digital Assets in its possession if
it believes it is exposed to excessive financial, reputational or
security risk and it shall release them to you on your request when
Quebex has determined, in its sole discretion, that such risk no
longer exists.

Indemnification

You
shall defend, indemnify and hold harmless Quebex, its directors,
officers, employees, agents, Other Users, assigns, and
successors-in-interest from and against any and all third-party
liability, damages, losses, claims, demands, actions, causes of
action and costs (including attorneys’ fees and expenses) arising
out of or resulting from: (i) your performance under this Agreement
including, without limitation, performance, non-performance, or
defect in performance, any Transaction, any statement, misstatement,
representation or misrepresentation made by you; (ii) the negligent
or wilful acts or omissions of you or your agents and/or employees;
and (iii) any statements, claims, representations or warranties made
by you or your agents and/or employees, relating to any matter.

LIMITATION OF LIABILITY

NO WARRANTIES. THE SERVICES ARE PROVIDED
ON AN "AS-IS", "AS AVAILABLE" BASIS. TO THE
MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Quebex EXPRESSLY
DISCLAIMS ANY IMPLIED WARRANTIES AND CONDITIONS, INCLUDING ANY
IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE AND NON-INFRINGEMENT, AS WELL AS ANY WARRANTIES
THAT THE SERVICES PROVIDED BY Quebex OR THAT THE OPERATION OF THE
SERVICES WILL BE INTERRUPTION OR ERROR FREE.

LIMITATIONS OF LIABILITY. NOTWITHSTANDING
ANYTHING TO THE CONTRARY CONTAINED HEREIN, NONE OF Quebex, ITS
AFFILIATES, SHAREHOLDERS, DIRECTORS, OFFICERS OR LICENSORS, SHALL,
UNDER ANY CIRCUMSTANCES, BE LIABLE, TO THE EXTENT PERMITTED BY
APPLICABLE LAW, TO YOU FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL
OR EXEMPLARY DAMAGES, EVEN IF Quebex HAS BEEN APPRISED OF THE
LIKELIHOOD OF SUCH DAMAGES OCCURRING. EXCEPT AS REQUIRED BY LAW,
IN NO EVENT SHALL Quebex’S LIABILITY (WHETHER BASED ON AN ACTION
OR CLAIM IN CONTRACT, TORT OR OTHERWISE) TO YOU, OR ANY THIRD
PARTY, IN ANY WAY CONNECTED WITH OR ARISING OUT OF THIS AGREEMENT
(AND ALL OTHER AGREEMENTS BETWEEN Quebex AND MERCHANT) EXCEED THE
FEES ACTUALLY PAID TO Quebex YOU DURING THE THREE (3) MONTHS PRIOR
TO THE EVENT GIVING RISE TO LIABILITY.

Force Majeure. Quebex shall use its
commercially reasonable efforts to perform its obligations
hereunder, however, none of Quebex, its Affiliates, shareholders,
directors, officers, agents or licensors shall be liable for any
loss resulting from the activities of you, nor from any erroneous
statements or errors in transmission, nor for any loss resulting
from any delay, interruption or failure to perform hereunder due
to any circumstances beyond Quebex’s reasonable control
including, without limitation, acts of god, fire, explosion,
earthquake, riot, terrorism, war, sabotage, accident, embargo,
storms, strikes, lockouts, any interruption, failure or defects in
Internet, telephone, or other interconnect services or in
electronic or mechanical equipment. Quebex’s obligations
hereunder shall be suspended during any of the foregoing
circumstances, which suspension shall not be a cause for
termination of this agreement by you.

General

Notices. Any notice, demand, request or
other communication required or permitted to be given under this
Agreement shall be in writing and delivered personally, or sent by
prepaid registered mail, return receipt requested: to Quebex at
the postal address provided therefore on the Site; to you at the
address provided therefore upon registration with the Site; or to
such other address as either party may have previously indicated
to the other in writing in accordance with the foregoing. Any
such notice, request, demand or communication shall be deemed to
have been received on the day it was delivered personally, on the
fifth (5th) day following mailing, unless there is a disruption of
any kind of postal service. We reserve the right to notify you by
only electronic means to the email address first provided to us by
you through the Site.

Independent Contractor. Neither party has
any right to create any obligations on the part of the other
party, without the other's prior written consent. Nothing in this
Agreement or the course of dealing of the parties shall be
construed to constitute the parties hereto as partners, joint
ventures or as agents or employees of one another or as
authorizing either party to obligate the other in any manner. you
shall not: (1) bind Quebex to any contract or agreement; (2) incur
any obligation on behalf of Quebex; (3) release, assign or
transfer any agreement, claim, security or any other asset of
Quebex; (4) borrow or lend any money in the name of Quebex; or (5)
submit to any claim or liability related to the Services, allow
judgment to be taken or confessed against Quebex. you, being an
independent contractor, shall not receive as compensation, or be
reimbursed, for any of the following: (i) work materials that you
may use in performing hereunder, (ii) business facilities,
telephone, automobile or any other equipment, (iii) any you
employee benefit, (iv) reimbursement for any other cost or expense
incurred by you in its promotion of the Services hereunder.

On-Line or Written Formation of
Contract. By acceptance of the terms hereof on-line by you or by
execution of a written acceptance of the terms hereof by you, this
Agreement together with any supplemental agreements and appendixes
constitute the entire validly legally binding agreement between
the parties pertaining to the subject matter contained in it and
supersedes all prior and contemporaneous agreements,
representations and understandings of the parties. No waiver of
any of the provisions in this Agreement shall be deemed or shall
constitute, a waiver of any other provision, whether or not
similar, nor shall any waiver constitute a continuing waiver. No
waiver shall be binding unless executed in writing by the party
making the waiver.

Amendments to this Agreement. From time to
time Quebex will post amendments or revisions to this Agreement,
including, without limitation, amendments to Fees, on the Site.
Quebex will provide notice of these amendments or revisions to you
through the Site. If the amendment or revision is required in
order to Quebex and the Services to remain in compliance with
applicable laws or payment processor regulations, then the
amendment or revision shall take effect as of when it is posted to
the Site. If, on the other hand, the amendment or revision is not
required under law or by a payment processor of Quebex, and you do
not close its Account within thirty (30) days of notice on the
Site of the amendment or revision, then the you shall be deemed to
have accepted the amendment or revision. Other than as provided
in this section, this Agreement may not be amended except by
express consent of both parties through the Site or by such other
means as Quebex may reasonably prescribe.

Assignment. None of you or any of its
successors may assign this Agreement, or any rights hereunder,
directly or by operation of law, without the prior written consent
of Quebex which consent may be withheld for any reason, at
Quebex's sole discretion. Quebex may assign any of its rights or
obligations hereunder without prior notice or consent from or to
you.

Successors. This Agreement and the
provisions hereof shall enure to the benefit of and be binding
upon the Parties and their respective successors and permitted
assigns. you may not assign any of its rights or obligations
under this Agreement to any third party without the prior written
consent of Quebex.

You go missing. If, for whatever reason,
Quebex is unable to contact a you to complete a Transaction for
their benefit, then you shall retain title in such unsettled
funds, but after ten (10) months, Quebex reserves the right to
remit the amount thereof to government authorities responsible for
taking possession of lost property in the jurisdiction of the you
or that of Quebex.

Enforcement. The you shall be liable for
and shall indemnify and reimburse Quebex for any and all
reasonable attorneys’ fees and other costs and expenses paid or
incurred by Quebex in the enforcement of this Agreement, or in
collecting any amounts due from you hereunder, or resulting from
any breach of any of the terms or conditions of this Agreement.

Remedies. All remedies of either party
hereunder are cumulative and may be exercised concurrently or
separately. The exercise of any one remedy shall not be deemed to
be an election of such remedy and shall not preclude the exercise
of any other remedy. No failure on the part of either party to
exercise and no delay in exercising any right or remedy hereunder
shall operate as a waiver of such right or remedy.

Severability. If any provision of this
Agreement is held invalid or unenforceable by any court of final
jurisdiction, it is the intent of the parties that all other
provisions of this Agreement be construed to remain fully valid,
enforceable and binding on the parties.

Governing Law and Choice of Forum. Any
controversy or claim arising out of or relating to this contract,
or the breach thereof, shall be settled by arbitration
administered by the Canadian Arbitration Association before a
single arbitrator who is a practicing commercial lawyer and such
arbitration shall take place in English in Montreal, Quebec,
Canada. This Agreement shall be governed by and construed in
accordance with the laws of the Province of Quebec, Canada. All
Transactions and other performance under this agreement are deemed
to have taken place in Montreal, Quebec, Canada.

Whole Agreement. References to "this
Agreement" include any Account Fees, schedules, supplementary
agreements, addendum, appendixes and amendments and any other
agreements, schedules appendixes and amendments promulgated by
Quebex and furnished to you from time to time. This Agreement
replaces any earlier versions hereof appearing on the Site or
otherwise.

Contact Us

If
you have any questions about this agreement, please contact us
through the Site.

Glossary

The
following terms are defined for this Agreement as follows:

Account
Balance means the quantity of Digital Assets held in the Account
as indicated in the Account dashboard.

Affiliate
means, in relation to a Person, another Person that directly or
indirectly owns or controls, is owned or controlled by, or is under
common ownership or common control with the Person, or a Person's
principal partners, shareholders, or owners of some other ownership
interest.

Card
means a Payment Network-licensed payment mechanism that may be a
physical or digital representation thereof generally intended for
debit or credit payment transaction payments.

Confidential
Information means all proprietary, secret or confidential
information or data relating to either party and its affiliates,
operations, employees, products or services, clients, customers or
potential customers. Confidential Information shall include customer
lists, cardholder account numbers, pricing information, computer
access codes, instruction and/or procedural manuals, and the terms
and conditions of this Agreement. Information shall not be considered
Confidential Information to the extent, but only to the extent, that
such information is: (i) already known to the receiving party free of
any restriction at the time it is obtained; (ii) subsequently learned
from an independent third party free of any restriction and without
breach of this Agreement; (iii) or becomes publicly available through
no wrongful act of the receiving party; (iv) independently developed
by the receiving party without reference to any Confidential
Information of the other; or (v) required to be disclosed by law.

Deposit
Account means a deposit account of your at a Canadian financial
institution, at a branch located in Canada, that is acceptable to us
and identified in an Order Form.

Digital
Asset means means bitcoins or other virtual currency or digital
assets that may be purchased, sold or traded via the Services.

Intellectual
Property Rights means all intellectual property rights and all
tangible embodiments of such rights, wherever located, including but
not limited to the following: (i) all trademarks, service marks or
other designations of origin, including all registrations and related
applications and all goodwill associated with any of the foregoing;
(ii) all copyrights, moral rights, and other rights in works of
authorship, including all registrations and related applications;
(iii) all inventions and ideas, whether patentable or not, and all
patent rights, patents and patent applications; (iv) all know-how,
trade secrets, confidential information, and other proprietary rights
and information; and (v) all other rights covering intangible
property recognized in any jurisdiction.

Order
Form means a an electronic form completed in conjunction with
this Agreement that sets out the parties hereto, a Transaction, the
Fees and other terms applicable to this Agreement.

Other
User means a Person other than you who is party to an agreement
like this agreement with Quebex

Payment
Network means any of Visa, Inc., MasterCard International,
American Express, Interac or other payment networks that license the
issuing of Cards.

Person
is to be broadly interpreted and includes an individual, a
corporation, a partnership, a trust, an unincorporated organization,
the government of a country or any political subdivision thereof, or
any agency or department of any such government, and the executors,
administrators or other legal representatives of an individual in
such capacity.

Processor
means the processor of real currency payment transactions that we use
in conjunction with the Services.

Prohibited
Activity means the operation of or the direct or indirect
facilitation of any of the following adult or adult-related services,
including escort services, adult massage, or other
adult-entertainment services; adult performers or adult webcam
services; any act that is illegal in the united states or in the
jurisdiction where the person carrying out the activity is resident,
domiciled or located; bath salts and herbals; betting, including
lottery tickets, casino gaming chips, off-track betting, memberships
on gambling-related internet sites and wagers at races; bill payment
services; buyers or discount clubs; cigarettes, tobacco or
e-cigarettes; credit counseling or repair agencies; credit protection
or identity theft protection services; digital goods including
digital currency; direct marketing or subscription offers; inbound or
outbound telemarketing businesses including lead generation
businesses; infomercial sales; internet, mail or telephone order
pharmacies or pharmacy referral services; items that encourage,
promote, facilitate or instruct others to engage in illegal activity;
items that may be counterfeit including, but not limited to:
designer handbags, clothing and accessories, and consumer
electronics; items that may infringe or violate any copyright,
trademark, right of publicity or privacy or any other proprietary
right under the laws of any jurisdiction; items that promote hate,
violence, racial intolerance, or the financial exploitation of a
crime; items that promote, support or glorify acts of violence or
harm towards self or others; legal fees including bankruptcy
attorneys; live animals; medical equipment; multi-level marketing
businesses (MLM); obscene or pornographic items; payment aggregators;
prepaid phone cards or phone services; purchase, sale or promotion of
drugs, alcohol, or drug paraphernalia, or items that may represent
these uses; real estate or motor vehicles; rebate based businesses;
sales of money-orders or foreign currency; up-sell merchants; using
the Services as a means to transfer funds between bank accounts held
in the same name; using the Services for any illegal purpose, or in
violation of any local, state, national, or international law,
including, without limitation, laws governing intellectual property,
taxation and other proprietary rights and data collection and
privacy; using the Services in a manner that we or any payment card
network reasonably believes to be an abuse of the payment card system
or a violation of payment card network rules; using the Services in
any manner that could damage, disable, overburden, or impair we
including without limitation, using the services in an automated
manner; using the Services in violation of the terms of this
agreement, as reasonably determined by we; using the Services that in
any way assists you or others in the violation of any law, statute or
ordinance; using the Services to collect payments that support
pyramid or ponzi schemes, matrix programs, other “business
opportunity” schemes or certain multi-level marketing programs;
using the services to control an account that is linked to another
account that has engaged in any of the foregoing activities; using
the Services to defame, harass, abuse, threaten or defraud others, or
collect, or attempt to collect, personal information about users,
registered recipients, or third parties without their consent; using
the Services to intentionally interfere with another user’s
enjoyment of it, by any means, including uploading or otherwise
disseminating viruses, adware, spyware, worms or other malicious
code; using the Services to make unsolicited offers, advertisements,
proposals, or to send junk mail or spam to others; using the Services
to provide Customer with a cash advance from Customer’s own credit
card or to help others to do so; using the Services to send or
receive what we considers to be funds for something that may have
resulted from fraud or other illegal behavior; using the Services
while impersonating any person or entity or falsely claiming an
affiliation with any person or entity; or weapons including replicas
and collectible items; weight loss programs; wire transfer money
orders.

Purchase
means your actual or attempted purchase of a Digital Asset through
the Services.

Purchase
Transaction means a Transaction by which you purchase or attempt
to purchase Digital Assets from an Other User and make use of the
Services in conjunction with such Transaction.

Quebex,
we, us, our means Quebex Fintech Inc., a Quebec company.

real
currency means Canadian Dollars or some other fiat currency
issued by a sovereign nation.

Rules
means the operating rules and regulations of Payment Networks.

Sale
means your actual or attempted sale of a Digital Asset through the
Services.

Sale
Transaction means a Transaction by which you sell or attempt to
sell Digital Assets to an Other User and make use of the Services in
conjunction with such Transaction.